81615 — Pitkin County, Colorado Market Snapshot
Housing market data for zip code 81615 in Pitkin County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$1,662,000
Days to Sell
51
Homes Sold
24
Inventory
64
Sale-to-List
95.0%
New Listings
32
Price/SqFt
$1,801
Pending Sales
28
Jumbo Loan Likely Needed
The median home in 81615 at $1,662,000 exceeds the 2026 conforming loan limit of $1,209,750 by $452,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
81615's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 81615 sells for 5.0% below asking price (95.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 81615 at $1,662,000 exceeds the 2026 conforming loan limit of $1,209,750 by $452,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 81615 are set at the county level.
2026 Loan Limits — Pitkin County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 81615
To purchase the median home at $1,662,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,884.
Monthly Payment
$12,884
Income Required
$552,159
Principal & Interest
$10,241/mo
Down Payment (5%)
$83,100
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 81615.
Estimated Monthly Payment
$10,436
Jumbo loan required. Loan amount exceeds the $1,209,750 conforming limit for 81615.
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